付款请求

POST

payments

open

api

transfer

付款申请

curl --request POST \
  --url https://gate.uat.payloco.com/gateway/v2/payments/open/api/transfer \
  --header 'Content-Type: application/json' \
  --header 'signature: <api-key>' \
  --data '
{
  "charset": "UTF-8",
  "version": "2.0.0",
  "signType": "RSA",
  "memberId": "2023010558663764",
  "merchantId": "2023010558663764",
  "requestTime": "2026-05-24T14:29:32.682+08:00",
  "keyVersion": "1",
  "data": {
    "merchantOrderId": "2026042914410001",
    "country": "AF",
    "chargeOption": "SHA",
    "clearingRail": "SWIFT",
    "userId": "2026042900010001",
    "sourceCurrency": "AED",
    "destinationCurrency": "USD",
    "trade": {
      "amount": "1.01",
      "currency": "USD"
    },
    "payeeInfo": {
      "paymentMethodType": "BANK_TRANSFER",
      "targetOrg": "FPS",
      "payeeType": "PERSONAL",
      "accountInfo": {
        "accountNo": "string",
        "accountType": "string",
        "checkDigit": "string"
      },
      "bankInfo": {
        "bankCode": "622666607777",
        "bankName": "bank",
        "bankBranch": "bank branch",
        "bankCity": "ShangHai",
        "corAccountNo": "string"
      },
      "name": {
        "firstName": "string",
        "middleName": "string",
        "lastName": "string",
        "fullName": "string"
      },
      "document": {
        "documentType": "string",
        "documentId": "string",
        "documentIssueDate": "string",
        "documentExpireDate": "string"
      },
      "address": {
        "address": "string",
        "city": "string",
        "state": "string",
        "zipCode": "string"
      },
      "payeePhone": "string",
      "birthDate": "string",
      "email": "string",
      "payeeNationality": "CN",
      "payeeGender": "string",
      "payeeBirthCountry": "string"
    },
    "payerInfo": {
      "subMerchantNo": "string",
      "businessLegalName": "string",
      "registrationCountry": "string",
      "merchantCategoryCode": "DIGITAL_GOODS_MEDIA",
      "payerId": "string",
      "name": {
        "firstName": "string",
        "middleName": "string",
        "lastName": "string",
        "fullName": "string"
      }
    },
    "channelExtra": {
      "pixKeyType": "cpf",
      "pixKey": "11013601513",
      "documentNo": "11013601513",
      "name": "string",
      "lastName": "string",
      "email": "string",
      "phone": "string"
    },
    "riskParams": {
      "registerName": "string",
      "registerNo": "string",
      "nickName": "string",
      "thirdAccountNoType": "string",
      "thirdAccountNo": "string",
      "bindEmail": "string",
      "bindPhoneNo": "string",
      "accountLevel": "string",
      "vipLevel": "string",
      "regTime": "string",
      "lastLoginTime": "string",
      "liveCountry": "string",
      "taxId": "string",
      "cumPayoutAmount": "string",
      "cumPayoutTxn": "string",
      "accountBalance": "string",
      "expressMerchantID": "string"
    },
    "expiryDays": "string",
    "remark": "string",
    "reference": "string",
    "notifyUrl": "https://www.google.com",
    "notifyEmail": "string",
    "notifyPhone": "string",
    "purpose": "ISUBIL"
  }
}
'

import requests

url = "https://gate.uat.payloco.com/gateway/v2/payments/open/api/transfer"

payload = {
    "charset": "UTF-8",
    "version": "2.0.0",
    "signType": "RSA",
    "memberId": "2023010558663764",
    "merchantId": "2023010558663764",
    "requestTime": "2026-05-24T14:29:32.682+08:00",
    "keyVersion": "1",
    "data": {
        "merchantOrderId": "2026042914410001",
        "country": "AF",
        "chargeOption": "SHA",
        "clearingRail": "SWIFT",
        "userId": "2026042900010001",
        "sourceCurrency": "AED",
        "destinationCurrency": "USD",
        "trade": {
            "amount": "1.01",
            "currency": "USD"
        },
        "payeeInfo": {
            "paymentMethodType": "BANK_TRANSFER",
            "targetOrg": "FPS",
            "payeeType": "PERSONAL",
            "accountInfo": {
                "accountNo": "string",
                "accountType": "string",
                "checkDigit": "string"
            },
            "bankInfo": {
                "bankCode": "622666607777",
                "bankName": "bank",
                "bankBranch": "bank branch",
                "bankCity": "ShangHai",
                "corAccountNo": "string"
            },
            "name": {
                "firstName": "string",
                "middleName": "string",
                "lastName": "string",
                "fullName": "string"
            },
            "document": {
                "documentType": "string",
                "documentId": "string",
                "documentIssueDate": "string",
                "documentExpireDate": "string"
            },
            "address": {
                "address": "string",
                "city": "string",
                "state": "string",
                "zipCode": "string"
            },
            "payeePhone": "string",
            "birthDate": "string",
            "email": "string",
            "payeeNationality": "CN",
            "payeeGender": "string",
            "payeeBirthCountry": "string"
        },
        "payerInfo": {
            "subMerchantNo": "string",
            "businessLegalName": "string",
            "registrationCountry": "string",
            "merchantCategoryCode": "DIGITAL_GOODS_MEDIA",
            "payerId": "string",
            "name": {
                "firstName": "string",
                "middleName": "string",
                "lastName": "string",
                "fullName": "string"
            }
        },
        "channelExtra": {
            "pixKeyType": "cpf",
            "pixKey": "11013601513",
            "documentNo": "11013601513",
            "name": "string",
            "lastName": "string",
            "email": "string",
            "phone": "string"
        },
        "riskParams": {
            "registerName": "string",
            "registerNo": "string",
            "nickName": "string",
            "thirdAccountNoType": "string",
            "thirdAccountNo": "string",
            "bindEmail": "string",
            "bindPhoneNo": "string",
            "accountLevel": "string",
            "vipLevel": "string",
            "regTime": "string",
            "lastLoginTime": "string",
            "liveCountry": "string",
            "taxId": "string",
            "cumPayoutAmount": "string",
            "cumPayoutTxn": "string",
            "accountBalance": "string",
            "expressMerchantID": "string"
        },
        "expiryDays": "string",
        "remark": "string",
        "reference": "string",
        "notifyUrl": "https://www.google.com",
        "notifyEmail": "string",
        "notifyPhone": "string",
        "purpose": "ISUBIL"
    }
}
headers = {
    "signature": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {signature: '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    charset: 'UTF-8',
    version: '2.0.0',
    signType: 'RSA',
    memberId: '2023010558663764',
    merchantId: '2023010558663764',
    requestTime: '2026-05-24T14:29:32.682+08:00',
    keyVersion: '1',
    data: {
      merchantOrderId: '2026042914410001',
      country: 'AF',
      chargeOption: 'SHA',
      clearingRail: 'SWIFT',
      userId: '2026042900010001',
      sourceCurrency: 'AED',
      destinationCurrency: 'USD',
      trade: {amount: '1.01', currency: 'USD'},
      payeeInfo: {
        paymentMethodType: 'BANK_TRANSFER',
        targetOrg: 'FPS',
        payeeType: 'PERSONAL',
        accountInfo: {accountNo: 'string', accountType: 'string', checkDigit: 'string'},
        bankInfo: {
          bankCode: '622666607777',
          bankName: 'bank',
          bankBranch: 'bank branch',
          bankCity: 'ShangHai',
          corAccountNo: 'string'
        },
        name: {
          firstName: 'string',
          middleName: 'string',
          lastName: 'string',
          fullName: 'string'
        },
        document: {
          documentType: 'string',
          documentId: 'string',
          documentIssueDate: 'string',
          documentExpireDate: 'string'
        },
        address: {address: 'string', city: 'string', state: 'string', zipCode: 'string'},
        payeePhone: 'string',
        birthDate: 'string',
        email: 'string',
        payeeNationality: 'CN',
        payeeGender: 'string',
        payeeBirthCountry: 'string'
      },
      payerInfo: {
        subMerchantNo: 'string',
        businessLegalName: 'string',
        registrationCountry: 'string',
        merchantCategoryCode: 'DIGITAL_GOODS_MEDIA',
        payerId: 'string',
        name: {
          firstName: 'string',
          middleName: 'string',
          lastName: 'string',
          fullName: 'string'
        }
      },
      channelExtra: {
        pixKeyType: 'cpf',
        pixKey: '11013601513',
        documentNo: '11013601513',
        name: 'string',
        lastName: 'string',
        email: 'string',
        phone: 'string'
      },
      riskParams: {
        registerName: 'string',
        registerNo: 'string',
        nickName: 'string',
        thirdAccountNoType: 'string',
        thirdAccountNo: 'string',
        bindEmail: 'string',
        bindPhoneNo: 'string',
        accountLevel: 'string',
        vipLevel: 'string',
        regTime: 'string',
        lastLoginTime: 'string',
        liveCountry: 'string',
        taxId: 'string',
        cumPayoutAmount: 'string',
        cumPayoutTxn: 'string',
        accountBalance: 'string',
        expressMerchantID: 'string'
      },
      expiryDays: 'string',
      remark: 'string',
      reference: 'string',
      notifyUrl: 'https://www.google.com',
      notifyEmail: 'string',
      notifyPhone: 'string',
      purpose: 'ISUBIL'
    }
  })
};

fetch('https://gate.uat.payloco.com/gateway/v2/payments/open/api/transfer', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://gate.uat.payloco.com/gateway/v2/payments/open/api/transfer",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'charset' => 'UTF-8',
    'version' => '2.0.0',
    'signType' => 'RSA',
    'memberId' => '2023010558663764',
    'merchantId' => '2023010558663764',
    'requestTime' => '2026-05-24T14:29:32.682+08:00',
    'keyVersion' => '1',
    'data' => [
        'merchantOrderId' => '2026042914410001',
        'country' => 'AF',
        'chargeOption' => 'SHA',
        'clearingRail' => 'SWIFT',
        'userId' => '2026042900010001',
        'sourceCurrency' => 'AED',
        'destinationCurrency' => 'USD',
        'trade' => [
                'amount' => '1.01',
                'currency' => 'USD'
        ],
        'payeeInfo' => [
                'paymentMethodType' => 'BANK_TRANSFER',
                'targetOrg' => 'FPS',
                'payeeType' => 'PERSONAL',
                'accountInfo' => [
                                'accountNo' => 'string',
                                'accountType' => 'string',
                                'checkDigit' => 'string'
                ],
                'bankInfo' => [
                                'bankCode' => '622666607777',
                                'bankName' => 'bank',
                                'bankBranch' => 'bank branch',
                                'bankCity' => 'ShangHai',
                                'corAccountNo' => 'string'
                ],
                'name' => [
                                'firstName' => 'string',
                                'middleName' => 'string',
                                'lastName' => 'string',
                                'fullName' => 'string'
                ],
                'document' => [
                                'documentType' => 'string',
                                'documentId' => 'string',
                                'documentIssueDate' => 'string',
                                'documentExpireDate' => 'string'
                ],
                'address' => [
                                'address' => 'string',
                                'city' => 'string',
                                'state' => 'string',
                                'zipCode' => 'string'
                ],
                'payeePhone' => 'string',
                'birthDate' => 'string',
                'email' => 'string',
                'payeeNationality' => 'CN',
                'payeeGender' => 'string',
                'payeeBirthCountry' => 'string'
        ],
        'payerInfo' => [
                'subMerchantNo' => 'string',
                'businessLegalName' => 'string',
                'registrationCountry' => 'string',
                'merchantCategoryCode' => 'DIGITAL_GOODS_MEDIA',
                'payerId' => 'string',
                'name' => [
                                'firstName' => 'string',
                                'middleName' => 'string',
                                'lastName' => 'string',
                                'fullName' => 'string'
                ]
        ],
        'channelExtra' => [
                'pixKeyType' => 'cpf',
                'pixKey' => '11013601513',
                'documentNo' => '11013601513',
                'name' => 'string',
                'lastName' => 'string',
                'email' => 'string',
                'phone' => 'string'
        ],
        'riskParams' => [
                'registerName' => 'string',
                'registerNo' => 'string',
                'nickName' => 'string',
                'thirdAccountNoType' => 'string',
                'thirdAccountNo' => 'string',
                'bindEmail' => 'string',
                'bindPhoneNo' => 'string',
                'accountLevel' => 'string',
                'vipLevel' => 'string',
                'regTime' => 'string',
                'lastLoginTime' => 'string',
                'liveCountry' => 'string',
                'taxId' => 'string',
                'cumPayoutAmount' => 'string',
                'cumPayoutTxn' => 'string',
                'accountBalance' => 'string',
                'expressMerchantID' => 'string'
        ],
        'expiryDays' => 'string',
        'remark' => 'string',
        'reference' => 'string',
        'notifyUrl' => 'https://www.google.com',
        'notifyEmail' => 'string',
        'notifyPhone' => 'string',
        'purpose' => 'ISUBIL'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "signature: <api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://gate.uat.payloco.com/gateway/v2/payments/open/api/transfer"

	payload := strings.NewReader("{\n  \"charset\": \"UTF-8\",\n  \"version\": \"2.0.0\",\n  \"signType\": \"RSA\",\n  \"memberId\": \"2023010558663764\",\n  \"merchantId\": \"2023010558663764\",\n  \"requestTime\": \"2026-05-24T14:29:32.682+08:00\",\n  \"keyVersion\": \"1\",\n  \"data\": {\n    \"merchantOrderId\": \"2026042914410001\",\n    \"country\": \"AF\",\n    \"chargeOption\": \"SHA\",\n    \"clearingRail\": \"SWIFT\",\n    \"userId\": \"2026042900010001\",\n    \"sourceCurrency\": \"AED\",\n    \"destinationCurrency\": \"USD\",\n    \"trade\": {\n      \"amount\": \"1.01\",\n      \"currency\": \"USD\"\n    },\n    \"payeeInfo\": {\n      \"paymentMethodType\": \"BANK_TRANSFER\",\n      \"targetOrg\": \"FPS\",\n      \"payeeType\": \"PERSONAL\",\n      \"accountInfo\": {\n        \"accountNo\": \"string\",\n        \"accountType\": \"string\",\n        \"checkDigit\": \"string\"\n      },\n      \"bankInfo\": {\n        \"bankCode\": \"622666607777\",\n        \"bankName\": \"bank\",\n        \"bankBranch\": \"bank branch\",\n        \"bankCity\": \"ShangHai\",\n        \"corAccountNo\": \"string\"\n      },\n      \"name\": {\n        \"firstName\": \"string\",\n        \"middleName\": \"string\",\n        \"lastName\": \"string\",\n        \"fullName\": \"string\"\n      },\n      \"document\": {\n        \"documentType\": \"string\",\n        \"documentId\": \"string\",\n        \"documentIssueDate\": \"string\",\n        \"documentExpireDate\": \"string\"\n      },\n      \"address\": {\n        \"address\": \"string\",\n        \"city\": \"string\",\n        \"state\": \"string\",\n        \"zipCode\": \"string\"\n      },\n      \"payeePhone\": \"string\",\n      \"birthDate\": \"string\",\n      \"email\": \"string\",\n      \"payeeNationality\": \"CN\",\n      \"payeeGender\": \"string\",\n      \"payeeBirthCountry\": \"string\"\n    },\n    \"payerInfo\": {\n      \"subMerchantNo\": \"string\",\n      \"businessLegalName\": \"string\",\n      \"registrationCountry\": \"string\",\n      \"merchantCategoryCode\": \"DIGITAL_GOODS_MEDIA\",\n      \"payerId\": \"string\",\n      \"name\": {\n        \"firstName\": \"string\",\n        \"middleName\": \"string\",\n        \"lastName\": \"string\",\n        \"fullName\": \"string\"\n      }\n    },\n    \"channelExtra\": {\n      \"pixKeyType\": \"cpf\",\n      \"pixKey\": \"11013601513\",\n      \"documentNo\": \"11013601513\",\n      \"name\": \"string\",\n      \"lastName\": \"string\",\n      \"email\": \"string\",\n      \"phone\": \"string\"\n    },\n    \"riskParams\": {\n      \"registerName\": \"string\",\n      \"registerNo\": \"string\",\n      \"nickName\": \"string\",\n      \"thirdAccountNoType\": \"string\",\n      \"thirdAccountNo\": \"string\",\n      \"bindEmail\": \"string\",\n      \"bindPhoneNo\": \"string\",\n      \"accountLevel\": \"string\",\n      \"vipLevel\": \"string\",\n      \"regTime\": \"string\",\n      \"lastLoginTime\": \"string\",\n      \"liveCountry\": \"string\",\n      \"taxId\": \"string\",\n      \"cumPayoutAmount\": \"string\",\n      \"cumPayoutTxn\": \"string\",\n      \"accountBalance\": \"string\",\n      \"expressMerchantID\": \"string\"\n    },\n    \"expiryDays\": \"string\",\n    \"remark\": \"string\",\n    \"reference\": \"string\",\n    \"notifyUrl\": \"https://www.google.com\",\n    \"notifyEmail\": \"string\",\n    \"notifyPhone\": \"string\",\n    \"purpose\": \"ISUBIL\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("signature", "<api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://gate.uat.payloco.com/gateway/v2/payments/open/api/transfer")
  .header("signature", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"charset\": \"UTF-8\",\n  \"version\": \"2.0.0\",\n  \"signType\": \"RSA\",\n  \"memberId\": \"2023010558663764\",\n  \"merchantId\": \"2023010558663764\",\n  \"requestTime\": \"2026-05-24T14:29:32.682+08:00\",\n  \"keyVersion\": \"1\",\n  \"data\": {\n    \"merchantOrderId\": \"2026042914410001\",\n    \"country\": \"AF\",\n    \"chargeOption\": \"SHA\",\n    \"clearingRail\": \"SWIFT\",\n    \"userId\": \"2026042900010001\",\n    \"sourceCurrency\": \"AED\",\n    \"destinationCurrency\": \"USD\",\n    \"trade\": {\n      \"amount\": \"1.01\",\n      \"currency\": \"USD\"\n    },\n    \"payeeInfo\": {\n      \"paymentMethodType\": \"BANK_TRANSFER\",\n      \"targetOrg\": \"FPS\",\n      \"payeeType\": \"PERSONAL\",\n      \"accountInfo\": {\n        \"accountNo\": \"string\",\n        \"accountType\": \"string\",\n        \"checkDigit\": \"string\"\n      },\n      \"bankInfo\": {\n        \"bankCode\": \"622666607777\",\n        \"bankName\": \"bank\",\n        \"bankBranch\": \"bank branch\",\n        \"bankCity\": \"ShangHai\",\n        \"corAccountNo\": \"string\"\n      },\n      \"name\": {\n        \"firstName\": \"string\",\n        \"middleName\": \"string\",\n        \"lastName\": \"string\",\n        \"fullName\": \"string\"\n      },\n      \"document\": {\n        \"documentType\": \"string\",\n        \"documentId\": \"string\",\n        \"documentIssueDate\": \"string\",\n        \"documentExpireDate\": \"string\"\n      },\n      \"address\": {\n        \"address\": \"string\",\n        \"city\": \"string\",\n        \"state\": \"string\",\n        \"zipCode\": \"string\"\n      },\n      \"payeePhone\": \"string\",\n      \"birthDate\": \"string\",\n      \"email\": \"string\",\n      \"payeeNationality\": \"CN\",\n      \"payeeGender\": \"string\",\n      \"payeeBirthCountry\": \"string\"\n    },\n    \"payerInfo\": {\n      \"subMerchantNo\": \"string\",\n      \"businessLegalName\": \"string\",\n      \"registrationCountry\": \"string\",\n      \"merchantCategoryCode\": \"DIGITAL_GOODS_MEDIA\",\n      \"payerId\": \"string\",\n      \"name\": {\n        \"firstName\": \"string\",\n        \"middleName\": \"string\",\n        \"lastName\": \"string\",\n        \"fullName\": \"string\"\n      }\n    },\n    \"channelExtra\": {\n      \"pixKeyType\": \"cpf\",\n      \"pixKey\": \"11013601513\",\n      \"documentNo\": \"11013601513\",\n      \"name\": \"string\",\n      \"lastName\": \"string\",\n      \"email\": \"string\",\n      \"phone\": \"string\"\n    },\n    \"riskParams\": {\n      \"registerName\": \"string\",\n      \"registerNo\": \"string\",\n      \"nickName\": \"string\",\n      \"thirdAccountNoType\": \"string\",\n      \"thirdAccountNo\": \"string\",\n      \"bindEmail\": \"string\",\n      \"bindPhoneNo\": \"string\",\n      \"accountLevel\": \"string\",\n      \"vipLevel\": \"string\",\n      \"regTime\": \"string\",\n      \"lastLoginTime\": \"string\",\n      \"liveCountry\": \"string\",\n      \"taxId\": \"string\",\n      \"cumPayoutAmount\": \"string\",\n      \"cumPayoutTxn\": \"string\",\n      \"accountBalance\": \"string\",\n      \"expressMerchantID\": \"string\"\n    },\n    \"expiryDays\": \"string\",\n    \"remark\": \"string\",\n    \"reference\": \"string\",\n    \"notifyUrl\": \"https://www.google.com\",\n    \"notifyEmail\": \"string\",\n    \"notifyPhone\": \"string\",\n    \"purpose\": \"ISUBIL\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://gate.uat.payloco.com/gateway/v2/payments/open/api/transfer")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["signature"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"charset\": \"UTF-8\",\n  \"version\": \"2.0.0\",\n  \"signType\": \"RSA\",\n  \"memberId\": \"2023010558663764\",\n  \"merchantId\": \"2023010558663764\",\n  \"requestTime\": \"2026-05-24T14:29:32.682+08:00\",\n  \"keyVersion\": \"1\",\n  \"data\": {\n    \"merchantOrderId\": \"2026042914410001\",\n    \"country\": \"AF\",\n    \"chargeOption\": \"SHA\",\n    \"clearingRail\": \"SWIFT\",\n    \"userId\": \"2026042900010001\",\n    \"sourceCurrency\": \"AED\",\n    \"destinationCurrency\": \"USD\",\n    \"trade\": {\n      \"amount\": \"1.01\",\n      \"currency\": \"USD\"\n    },\n    \"payeeInfo\": {\n      \"paymentMethodType\": \"BANK_TRANSFER\",\n      \"targetOrg\": \"FPS\",\n      \"payeeType\": \"PERSONAL\",\n      \"accountInfo\": {\n        \"accountNo\": \"string\",\n        \"accountType\": \"string\",\n        \"checkDigit\": \"string\"\n      },\n      \"bankInfo\": {\n        \"bankCode\": \"622666607777\",\n        \"bankName\": \"bank\",\n        \"bankBranch\": \"bank branch\",\n        \"bankCity\": \"ShangHai\",\n        \"corAccountNo\": \"string\"\n      },\n      \"name\": {\n        \"firstName\": \"string\",\n        \"middleName\": \"string\",\n        \"lastName\": \"string\",\n        \"fullName\": \"string\"\n      },\n      \"document\": {\n        \"documentType\": \"string\",\n        \"documentId\": \"string\",\n        \"documentIssueDate\": \"string\",\n        \"documentExpireDate\": \"string\"\n      },\n      \"address\": {\n        \"address\": \"string\",\n        \"city\": \"string\",\n        \"state\": \"string\",\n        \"zipCode\": \"string\"\n      },\n      \"payeePhone\": \"string\",\n      \"birthDate\": \"string\",\n      \"email\": \"string\",\n      \"payeeNationality\": \"CN\",\n      \"payeeGender\": \"string\",\n      \"payeeBirthCountry\": \"string\"\n    },\n    \"payerInfo\": {\n      \"subMerchantNo\": \"string\",\n      \"businessLegalName\": \"string\",\n      \"registrationCountry\": \"string\",\n      \"merchantCategoryCode\": \"DIGITAL_GOODS_MEDIA\",\n      \"payerId\": \"string\",\n      \"name\": {\n        \"firstName\": \"string\",\n        \"middleName\": \"string\",\n        \"lastName\": \"string\",\n        \"fullName\": \"string\"\n      }\n    },\n    \"channelExtra\": {\n      \"pixKeyType\": \"cpf\",\n      \"pixKey\": \"11013601513\",\n      \"documentNo\": \"11013601513\",\n      \"name\": \"string\",\n      \"lastName\": \"string\",\n      \"email\": \"string\",\n      \"phone\": \"string\"\n    },\n    \"riskParams\": {\n      \"registerName\": \"string\",\n      \"registerNo\": \"string\",\n      \"nickName\": \"string\",\n      \"thirdAccountNoType\": \"string\",\n      \"thirdAccountNo\": \"string\",\n      \"bindEmail\": \"string\",\n      \"bindPhoneNo\": \"string\",\n      \"accountLevel\": \"string\",\n      \"vipLevel\": \"string\",\n      \"regTime\": \"string\",\n      \"lastLoginTime\": \"string\",\n      \"liveCountry\": \"string\",\n      \"taxId\": \"string\",\n      \"cumPayoutAmount\": \"string\",\n      \"cumPayoutTxn\": \"string\",\n      \"accountBalance\": \"string\",\n      \"expressMerchantID\": \"string\"\n    },\n    \"expiryDays\": \"string\",\n    \"remark\": \"string\",\n    \"reference\": \"string\",\n    \"notifyUrl\": \"https://www.google.com\",\n    \"notifyEmail\": \"string\",\n    \"notifyPhone\": \"string\",\n    \"purpose\": \"ISUBIL\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "code": "00000003",
  "message": "处理中",
  "traceId": "33fae7b7aed1233f",
  "data": {
    "merchantOrderId": "20260430000111111",
    "orderId": "INT2026061222222",
    "status": "SUCCESS"
  }
}

授权

signature

string

header

必填

加签（Signature）

加签是 Payloco 开放平台与商户之间用于保障报文完整性和防篡改的安全机制。

适用场景

商户请求 Payloco：商户使用自身私钥对请求报文进行加签。
Payloco 返回响应：商户使用 Payloco 公钥对响应报文进行验签。

加签规则（商户请求端）

商户需对 HTTP 请求的 Body 进行签名，具体步骤如下：

1. 计算签名（SHA256withRSA）

Signature signature = Signature.getInstance("SHA256withRSA");
signature.initSign(merchantPrivateKey);

// 必须使用 UTF-8 编码
byte[] bodyBytes = requestBody.getBytes(StandardCharsets.UTF_8);
signature.update(bodyBytes);

byte[] signedBytes = signature.sign();

2. 将加签内容进行 Base64 编码；

String signature = Base64.getEncoder().encodeToString(signedHash);

3. 将编码后的内容放在请求头部 signature 参数中。

POST /v2/payments/open/api/pay HTTP/1.1
Content-Type: application/json
signature: MIIC8jCCAdqgAwIBAgI...

请求体

application/json

charset

string

默认值:UTF-8

必填

交互数据的编码【utf-8】

示例:

"UTF-8"

version

string

必填

接口版本，当前版本为【2.0.0】,目前只能传2.0.0，不能不传

Maximum string length: 8

示例:

"2.0.0"

signType

string

必填

报文签名类型

示例:

"RSA"

memberId

string

必填

机构号

示例:

"2023010558663764"

merchantId

string

必填

商户号

Maximum string length: 32

示例:

"2023010558663764"

requestTime

string

必填

请求时间，遵循rfc3339标准格式，格式为yyyy-MM-DDTHH:mm:ssSSS+TIMEZONE，yyyy-MM-DD表示年月日，T出现在字符串中，表示time元素的开头，HH:mm:ss表示时分秒，TIMEZONE表示时区（+08:00表示东八区时间，领先UTC 8小时，即北京时间）。例如：2026-05-20T13:29:35.262+08:00表示，北京时间2026年5月20日13点29分35秒。

Maximum string length: 32

示例:

"2026-05-24T14:29:32.682+08:00"

keyVersion

string

必填

密钥版本当前值为：1

Maximum string length: 8

示例:

"1"

data

object

请求数据体

Hide child attributes

data.merchantOrderId

string

必填

商户订单号，唯一标识商户的一笔交易，不能重复，只能包含字母、数字、下划线

Maximum string length: 63

示例:

"2026042914410001"

data.country

enum<string>

必填

国家代码，大写字母

可用选项:

AF,

AX,

AL,

DZ,

AS,

AD,

AO,

AI,

AQ,

AG,

AR,

AM,

AW,

AU,

AT,

AZ,

BS,

BH,

BD,

BB,

BY,

BE,

BZ,

BJ,

BM,

BT,

BO,

BQ,

BA,

BW,

BV,

BR,

IO,

BN,

BG,

BF,

BI,

KH,

CM,

CA,

CV,

KY,

CF,

TD,

CL,

CN,

CX,

CC,

CO,

KM,

CG,

CD,

CK,

CR,

CI,

HR,

CU,

CW,

CY,

CZ,

DK,

DJ,

DM,

DO,

EC,

EG,

SV,

GQ,

ER,

EE,

ET,

FK,

FO,

FJ,

FI,

FR,

GF,

PF,

TF,

GA,

GM,

GE,

DE,

GH,

GI,

GR,

GL,

GD,

GP,

GU,

GT,

GG,

GN,

GW,

GY,

HT,

HM,

VA,

HN,

HK,

HU,

IS,

IN,

ID,

IR,

IQ,

IE,

IM,

IL,

IT,

JM,

JP,

JE,

JO,

KZ,

KE,

KI,

KP,

KR,

KW,

KG,

LA,

LV,

LB,

LS,

LR,

LY,

LI,

LT,

LU,

MO,

MK,

MG,

MW,

MY,

MV,

ML,

MT,

MH,

MQ,

MR,

MU,

YT,

MX,

FM,

MD,

MC,

MN,

ME,

MS,

MA,

MZ,

MM,

NA,

NR,

NP,

NL,

NC,

NZ,

NI,

NE,

NG,

NU,

NF,

MP,

NO,

OM,

PK,

PW,

PS,

PA,

PG,

PY,

PE,

PH,

PN,

PL,

PT,

PR,

QA,

RE,

RO,

RU,

RW,

BL,

SH,

KN,

LC,

MF,

PM,

VC,

WS,

SM,

ST,

SA,

SN,

RS,

SC,

SL,

SG,

SX,

SK,

SI,

SB,

SO,

ZA,

GS,

SS,

ES,

LK,

SD,

SR,

SJ,

SZ,

SE,

CH,

SY,

TW,

TJ,

TZ,

TH,

TL,

TG,

TK,

TO,

TT,

TN,

TR,

TM,

TC,

TV,

UG,

UA,

AE,

GB,

UM,

UY,

UZ,

VU,

VE,

VN,

VG,

VI,

WF,

EH,

YE,

ZM,

ZW,

US

data.sourceCurrency

enum<string>

必填

扣款账户的币种代码，大写字母

可用选项:

AED,

AFN,

ALL,

AMD,

ANG,

AOA,

ARS,

AUD,

AWG,

AZN,

BAM,

BBD,

BDT,

BGN,

BHD,

BIF,

BMD,

BND,

BOB,

BRL,

BSD,

BTN,

BWP,

BYN,

BZD,

CAD,

CDF,

CHF,

CLF,

CLP,

CNY,

COP,

CRC,

CUC,

CUP,

CVE,

CZK,

DJF,

DKK,

DOP,

DZD,

EGP,

ERN,

ETB,

EUR,

FJD,

FKP,

GBP,

GEL,

GHS,

GIP,

GMD,

GNF,

GTQ,

GYD,

HKD,

HNL,

HRK,

HTG,

HUF,

IDR,

ILS,

INR,

IQD,

IRR,

ISK,

JMD,

JOD,

JPY,

KES,

KGS,

KHR,

KMF,

KPW,

KRW,

KWD,

KYD,

KZT,

LAK,

LBP,

LKR,

LRD,

LSL,

LYD,

MAD,

MDL,

MGA,

MKD,

MMK,

MNT,

MOP,

MRU,

MUR,

MVR,

MWK,

MXN,

MYR,

MZN,

NAD,

NGN,

NIO,

NOK,

NPR,

NZD,

OMR,

PAB,

PEN,

PGK,

PHP,

PKR,

PLN,

PYG,

QAR,

RON,

RSD,

RUB,

RWF,

SAR,

SBD,

SCR,

SDG,

SEK,

SGD,

SHP,

SLE,

SLL,

SOS,

SRD,

SSP,

STD,

STN,

SVC,

SYP,

SZL,

THB,

TJS,

TMT,

TND,

TOP,

TRY,

TTD,

TWD,

TZS,

UAH,

UGX,

USD,

UYU,

UZS,

VES,

VND,

VUV,

WST,

XAF,

XCD,

XOF,

XPF,

YER,

ZAR,

ZMW,

ZWL

data.destinationCurrency

enum<string>

必填

指定到账币种，如有标明到账币种的，需要指定到账币种；若未标明，则到账币种仅支持本币，不需要进行指定

可用选项:

AED,

AFN,

ALL,

AMD,

ANG,

AOA,

ARS,

AUD,

AWG,

AZN,

BAM,

BBD,

BDT,

BGN,

BHD,

BIF,

BMD,

BND,

BOB,

BRL,

BSD,

BTN,

BWP,

BYN,

BZD,

CAD,

CDF,

CHF,

CLF,

CLP,

CNY,

COP,

CRC,

CUC,

CUP,

CVE,

CZK,

DJF,

DKK,

DOP,

DZD,

EGP,

ERN,

ETB,

EUR,

FJD,

FKP,

GBP,

GEL,

GHS,

GIP,

GMD,

GNF,

GTQ,

GYD,

HKD,

HNL,

HRK,

HTG,

HUF,

IDR,

ILS,

INR,

IQD,

IRR,

ISK,

JMD,

JOD,

JPY,

KES,

KGS,

KHR,

KMF,

KPW,

KRW,

KWD,

KYD,

KZT,

LAK,

LBP,

LKR,

LRD,

LSL,

LYD,

MAD,

MDL,

MGA,

MKD,

MMK,

MNT,

MOP,

MRU,

MUR,

MVR,

MWK,

MXN,

MYR,

MZN,

NAD,

NGN,

NIO,

NOK,

NPR,

NZD,

OMR,

PAB,

PEN,

PGK,

PHP,

PKR,

PLN,

PYG,

QAR,

RON,

RSD,

RUB,

RWF,

SAR,

SBD,

SCR,

SDG,

SEK,

SGD,

SHP,

SLE,

SLL,

SOS,

SRD,

SSP,

STD,

STN,

SVC,

SYP,

SZL,

THB,

TJS,

TMT,

TND,

TOP,

TRY,

TTD,

TWD,

TZS,

UAH,

UGX,

USD,

UYU,

UZS,

VES,

VND,

VUV,

WST,

XAF,

XCD,

XOF,

XPF,

YER,

ZAR,

ZMW,

ZWL

data.trade

object

必填

交易信息

Hide child attributes

data.trade.amount

string

必填

交易金额，按照各国币种支持的小数点位上送。注意：印尼，越南，韩国，智利，本币不支持带小数金额

Maximum string length: 12

示例:

"1.01"

data.trade.currency

string

必填

交易币种，大写字母

Maximum string length: 3

示例:

"USD"

data.payeeInfo

object

必填

收款方信息

Hide child attributes

data.payeeInfo.paymentMethodType

enum<string>

必填

支付方式，请参考【支付方式列表】

可用选项:

BANK_TRANSFER,

REALTIME_PAYMENT,

CARD,

WALLET

示例:

"BANK_TRANSFER"

data.payeeInfo.targetOrg

enum<string>

必填

目标机构,请参考【支付方式列表】

可用选项:

FPS,

BRI,

BCA,

GOPAY,

OVO,

DANA,

SHOPEEPAY,

LINKAJA,

PIX

data.payeeInfo.payeeType

enum<string>

必填

收款方类型

可用选项:

PERSONAL,

CORPORATION

示例:

"PERSONAL"

data.payeeInfo.accountInfo

object

收款账户信息

Hide child attributes

data.payeeInfo.accountInfo.accountNo

string

收款方账号，根据付款方式不同填入相应账号

Maximum string length: 128

data.payeeInfo.accountInfo.accountType

string

收款账户类型,在不同国家-支付方式下规范不同

data.payeeInfo.accountInfo.checkDigit

string

收款方账户验证数字

data.payeeInfo.bankInfo

object

收款方银行信息

Hide child attributes

data.payeeInfo.bankInfo.bankCode

string

用于识别特定金融机构下的收款方银行代码

Maximum string length: 64

示例:

"622666607777"

data.payeeInfo.bankInfo.bankName

string

收款方银行名称

Maximum string length: 255

示例:

"bank"

data.payeeInfo.bankInfo.bankBranch

string

收款人银行网点号/分行号

Maximum string length: 64

示例:

"bank branch"

data.payeeInfo.bankInfo.bankCity

string

收款方银行所在城市

Maximum string length: 255

示例:

"ShangHai"

data.payeeInfo.bankInfo.corAccountNo

string

收款方银行的代理账号（correspondent account）

Maximum string length: 128

data.payeeInfo.name

object

收款方姓名，支持英文、空格、逗号、中划线、点.

Hide child attributes

data.payeeInfo.name.firstName

string

收款方名

Maximum string length: 64

data.payeeInfo.name.middleName

string

收款方中间名，多段中间名时，使用空格进行分隔

Maximum string length: 64

data.payeeInfo.name.lastName

string

收款方姓

Maximum string length: 64

data.payeeInfo.name.fullName

string

收款方全名

Maximum string length: 512

data.payeeInfo.document

object

收款方个人身份信息

Hide child attributes

data.payeeInfo.document.documentType

string

收款方个人身份证明类型

data.payeeInfo.document.documentId

string

收款方个人识别号码，在不同国家下可选类型不同

data.payeeInfo.document.documentIssueDate

string

收款方个人识别号码生效日期，在不同国家下可选类型不同，yyyy-MM-dd格式

Maximum string length: 10

data.payeeInfo.document.documentExpireDate

string

收款方个人识别号码失效日期，在不同国家下可选类型不同，yyyy-MM-dd格式

Maximum string length: 10

data.payeeInfo.address

object

收款方地址信息

Hide child attributes

data.payeeInfo.address.address

string

收款方地址

Maximum string length: 512

data.payeeInfo.address.city

string

收款方城市

Maximum string length: 255

data.payeeInfo.address.state

string

州

Maximum string length: 255

data.payeeInfo.address.zipCode

string

收款方邮编

Maximum string length: 32

data.payeeInfo.payeePhone

string

收款方移动电话号码，在不同国家-支付方式下填写规范不同

data.payeeInfo.birthDate

string

收款方出生日期，yyyy-MM-dd格式

data.payeeInfo.email

string

收款方邮箱

data.payeeInfo.payeeNationality

string

收款人国籍，ISO 3166-1 alpha-2标准，如CN，US

示例:

"CN"

data.payeeInfo.payeeGender

string

收款人性别，枚举值F 或M（F=Female，M=Male）

data.payeeInfo.payeeBirthCountry

string

收款人出生国家，ISO 3166-1 alpha-2标准，如CN，US

data.channelExtra

PIX · object

必填

扩展信息

Hide child attributes

data.channelExtra.pixKeyType

enum<string>

默认值:cpf

必填

Pix密钥类型，枚举值为 "cpf" "email" "phone" "evp"

可用选项:

cpf,

email,

phone,

evp

示例:

"cpf"

data.channelExtra.documentNo

string

必填

目标账户持有人的证件号CPF，11位数字：11013601513

示例:

"11013601513"

data.channelExtra.name

string

必填

目标账号持有人的全名.如果设置了lastName，此处只需要填写 First Name：Joice M Santos Joice Mary Santos

data.channelExtra.pixKey

string

Pix密钥：11013601513

示例:

"11013601513"

data.channelExtra.lastName

string

目标账号持有人Last Name

data.channelExtra.email

string

目标账号持有人的邮箱

data.channelExtra.phone

string

目标账号持有人的电话

data.remark

string

必填

出款附言或备注，允许英文，数字，中划线，空格，点；受渠道约束，该字段可能会进行特殊处理，如超长截断或填充默认值

data.purpose

enum<string>

必填

出款目的，枚举值，ISUBIL:向公用事业提供商付款(i.e.水电煤账单)； EPTOUR:旅游业； EPTKAG:支付旅游门票或旅行社费用； ISPAYR:支付工资； ISPAYRA:支付代理工资； ISGDDS:货物买卖； ISSCVE:购买和销售服务； ISSUPP:供应商付款； ISLOGS:物流和运输服务付款； INCEN:激励/促销/用户获取活动； GAME:游戏设备、游戏币和其他游戏物品； SAMENM:企业同名账户转账； PAYCMSN:报销/福利发放/佣金发放； SAMENMC:法人/股东/董事个人账户； AGOPEXP:代运营费用结算； ADEXP:广告费用结算；RFND:退货；SMCNTST:子商户结算；LGTEP:供应商付款-物流费用结算；GOODPAY:供应商付款-货款结算；SINVEST:股票投资；FINVEST:基金投资；TAXPAY:纳税/支付税款；LOANPAY:支付贷款； OTHER:其他；

可用选项:

ISUBIL,

EPTOUR,

EPTKAG,

ISPAYR,

ISPAYRA,

ISGDDS,

ISSCVE,

ISSUPP,

ISLOGS,

INCEN,

GAME,

SAMENM,

PAYCMSN,

SAMENMC,

AGOPEXP,

ADEXP,

RFND,

SMCNTST,

LGTEP,

GOODPAY,

SINVEST,

FINVEST,

TAXPAY,

LOANPAY,

OTHER

示例:

"ISUBIL"

data.chargeOption

enum<string>

费用承担模式

可用选项:

SHA,

OUR,

BEN

示例:

"SHA"

data.clearingRail

enum<string>

枚举值为：SWIFT, SEPA, LOCAL，分别对应签约的SWIFT、SEPA、Local Banks支付方式，请根据实际要用的支付方式来上送

可用选项:

SWIFT,

SEPA,

LOCAL

示例:

"SWIFT"

data.userId

string

商户内部的用户Id，需要保证每个ID唯一性

Maximum string length: 64

示例:

"2026042900010001"

data.payerInfo

object

付款方信息

Hide child attributes

data.payerInfo.subMerchantNo

string

子商户号。子商户在系统中的唯一标识

Maximum string length: 64

data.payerInfo.businessLegalName

string

付款公司主体注册名

Maximum string length: 70

data.payerInfo.registrationCountry

string

付款公司主体注册国家，2位大写国家编码

data.payerInfo.merchantCategoryCode

enum<string>

付款公司行业分类，枚举值，DIGITAL_GOODS_MEDIA：数娱类产品-媒介；DIGITAL_GOODS_APPLICATION：数字产品-应用软件类；TRAVEL_AGENCIES_AND_TRAVEL_RELATED_SERVICES：旅行社；COURIER_SERVICES_AIR_AND_GROUND_AND_FREIGHT_FORWARDERS：快递服务-空运、陆运及货物运输代理商；ADVERTISING_SERVICES：广告业务；TELECOMMUNICATION_SERVICE：电信服务；COMPUTER_NETWORKS_AND_INFORMATION_SERVICES：计算机网络/信息服务；MISCELLANEOUS_GENERAL_MERCHANDISE：电商-杂项百货。

可用选项:

DIGITAL_GOODS_MEDIA,

DIGITAL_GOODS_APPLICATION,

TRAVEL_AGENCIES_AND_TRAVEL_RELATED_SERVICES,

COURIER_SERVICES_AIR_AND_GROUND_AND_FREIGHT_FORWARDERS,

ADVERTISING_SERVICES,

TELECOMMUNICATION_SERVICE,

COMPUTER_NETWORKS_AND_INFORMATION_SERVICES,

MISCELLANEOUS_GENERAL_MERCHANDISE

data.payerInfo.payerId

string

付款公司所属机构/平台商户号

data.payerInfo.name

object

付款方姓名，支持英文、空格、逗号、中划线、点

Hide child attributes

data.payerInfo.name.firstName

string

付款方姓名，支持英文、空格、逗号、中划线、点，在不同国家-支付方式下填写规范不同

data.payerInfo.name.middleName

string

付款方中间名，多段中间名时，使用空格进行分隔

data.payerInfo.name.lastName

string

付款方姓

data.payerInfo.name.fullName

string

付款方全名

data.riskParams

object

风控业务数据

Hide child attributes

data.riskParams.registerName

string

注册账号持有人姓名

data.riskParams.registerNo

string

商户网站/app上用户的注册标识

data.riskParams.nickName

string

商户网站/app上用户的昵称

data.riskParams.thirdAccountNoType

string

第三方帐户类型：枚举值 Facebook, Google, AppleID，Others

data.riskParams.thirdAccountNo

string

第三方账号标识

data.riskParams.bindEmail

string

账号绑定邮箱

data.riskParams.bindPhoneNo

string

账号绑定手机号

data.riskParams.accountLevel

string

账号等级

data.riskParams.vipLevel

string

VIP等级

data.riskParams.regTime

string

账号注册时间，格式：yyyy-MM-dd HH:mm:ss

最后一次登录/活跃时间，格式：yyyy-MM-dd HH:mm:ss

data.riskParams.liveCountry

string

现居住地址（国家维度），如CN

data.riskParams.taxId

string

用户税号

data.riskParams.cumPayoutAmount

string

用户在商户侧，最近3个月累计出款成功金额（USD）

data.riskParams.cumPayoutTxn

string

用户在商户侧，最近3个月累计出款成功笔数

data.riskParams.accountBalance

string

用户在商户侧，用户账号当前余额 (金币/钻石)

data.riskParams.expressMerchantID

string

针对平台类商户下，在平台注册的卖家注册账号

data.expiryDays

string

取款码有效天数，当前仅在FawryCash中有效，支持传入1~15整数（1=24Hours）

data.reference

string

透传数据，在付款异步回调通知中原样返回，该字段主要用于商户携带订单的自定义数据

data.notifyUrl

string

商户接收付款结果的后台回调地址，以http/https开头

示例:

"https://www.google.com"

data.notifyEmail

string

收款方通知邮箱，目前只有个别支付方式会发送取款码邮件，比如FAWRY

data.notifyPhone

string

收款方通知电话

响应

200 - application/json

code

string

必填

响应状态码，’00000000’代表成功。’00000003’代表受理中,只代表接口请求成功，不代表订单状态。

示例:

"00000003"

message

string

必填

返回描述，’SUCCESS.’ 。只代表接口请求成功，不代表订单状态。

示例:

"SUCCESS"

traceId

string

必填

请求消息唯一标识。traceId为本次调用产生的流水号，接口调用异常，可以提供此流水号用于排查问题。

示例:

"33fae7b7aed1233f"

data

object

返回数据

Hide child attributes

data.merchantOrderId

string

商户订单号

示例:

"20260430000111111"

data.orderId

string

PayLoco交易流水号

示例:

"INT2026061222222"

data.status

enum<string>

交易状态，SUCCESS成功, FAILED失败，PENDING进行中，BOUNCEBACK退票

可用选项:

SUCCESS,

FAILED,

PENDING,

BOUNCEBACK

付款申请

curl --request POST \
  --url https://gate.uat.payloco.com/gateway/v2/payments/open/api/transfer \
  --header 'Content-Type: application/json' \
  --header 'signature: <api-key>' \
  --data '
{
  "charset": "UTF-8",
  "version": "2.0.0",
  "signType": "RSA",
  "memberId": "2023010558663764",
  "merchantId": "2023010558663764",
  "requestTime": "2026-05-24T14:29:32.682+08:00",
  "keyVersion": "1",
  "data": {
    "merchantOrderId": "2026042914410001",
    "country": "AF",
    "chargeOption": "SHA",
    "clearingRail": "SWIFT",
    "userId": "2026042900010001",
    "sourceCurrency": "AED",
    "destinationCurrency": "USD",
    "trade": {
      "amount": "1.01",
      "currency": "USD"
    },
    "payeeInfo": {
      "paymentMethodType": "BANK_TRANSFER",
      "targetOrg": "FPS",
      "payeeType": "PERSONAL",
      "accountInfo": {
        "accountNo": "string",
        "accountType": "string",
        "checkDigit": "string"
      },
      "bankInfo": {
        "bankCode": "622666607777",
        "bankName": "bank",
        "bankBranch": "bank branch",
        "bankCity": "ShangHai",
        "corAccountNo": "string"
      },
      "name": {
        "firstName": "string",
        "middleName": "string",
        "lastName": "string",
        "fullName": "string"
      },
      "document": {
        "documentType": "string",
        "documentId": "string",
        "documentIssueDate": "string",
        "documentExpireDate": "string"
      },
      "address": {
        "address": "string",
        "city": "string",
        "state": "string",
        "zipCode": "string"
      },
      "payeePhone": "string",
      "birthDate": "string",
      "email": "string",
      "payeeNationality": "CN",
      "payeeGender": "string",
      "payeeBirthCountry": "string"
    },
    "payerInfo": {
      "subMerchantNo": "string",
      "businessLegalName": "string",
      "registrationCountry": "string",
      "merchantCategoryCode": "DIGITAL_GOODS_MEDIA",
      "payerId": "string",
      "name": {
        "firstName": "string",
        "middleName": "string",
        "lastName": "string",
        "fullName": "string"
      }
    },
    "channelExtra": {
      "pixKeyType": "cpf",
      "pixKey": "11013601513",
      "documentNo": "11013601513",
      "name": "string",
      "lastName": "string",
      "email": "string",
      "phone": "string"
    },
    "riskParams": {
      "registerName": "string",
      "registerNo": "string",
      "nickName": "string",
      "thirdAccountNoType": "string",
      "thirdAccountNo": "string",
      "bindEmail": "string",
      "bindPhoneNo": "string",
      "accountLevel": "string",
      "vipLevel": "string",
      "regTime": "string",
      "lastLoginTime": "string",
      "liveCountry": "string",
      "taxId": "string",
      "cumPayoutAmount": "string",
      "cumPayoutTxn": "string",
      "accountBalance": "string",
      "expressMerchantID": "string"
    },
    "expiryDays": "string",
    "remark": "string",
    "reference": "string",
    "notifyUrl": "https://www.google.com",
    "notifyEmail": "string",
    "notifyPhone": "string",
    "purpose": "ISUBIL"
  }
}
'

import requests

url = "https://gate.uat.payloco.com/gateway/v2/payments/open/api/transfer"

payload = {
    "charset": "UTF-8",
    "version": "2.0.0",
    "signType": "RSA",
    "memberId": "2023010558663764",
    "merchantId": "2023010558663764",
    "requestTime": "2026-05-24T14:29:32.682+08:00",
    "keyVersion": "1",
    "data": {
        "merchantOrderId": "2026042914410001",
        "country": "AF",
        "chargeOption": "SHA",
        "clearingRail": "SWIFT",
        "userId": "2026042900010001",
        "sourceCurrency": "AED",
        "destinationCurrency": "USD",
        "trade": {
            "amount": "1.01",
            "currency": "USD"
        },
        "payeeInfo": {
            "paymentMethodType": "BANK_TRANSFER",
            "targetOrg": "FPS",
            "payeeType": "PERSONAL",
            "accountInfo": {
                "accountNo": "string",
                "accountType": "string",
                "checkDigit": "string"
            },
            "bankInfo": {
                "bankCode": "622666607777",
                "bankName": "bank",
                "bankBranch": "bank branch",
                "bankCity": "ShangHai",
                "corAccountNo": "string"
            },
            "name": {
                "firstName": "string",
                "middleName": "string",
                "lastName": "string",
                "fullName": "string"
            },
            "document": {
                "documentType": "string",
                "documentId": "string",
                "documentIssueDate": "string",
                "documentExpireDate": "string"
            },
            "address": {
                "address": "string",
                "city": "string",
                "state": "string",
                "zipCode": "string"
            },
            "payeePhone": "string",
            "birthDate": "string",
            "email": "string",
            "payeeNationality": "CN",
            "payeeGender": "string",
            "payeeBirthCountry": "string"
        },
        "payerInfo": {
            "subMerchantNo": "string",
            "businessLegalName": "string",
            "registrationCountry": "string",
            "merchantCategoryCode": "DIGITAL_GOODS_MEDIA",
            "payerId": "string",
            "name": {
                "firstName": "string",
                "middleName": "string",
                "lastName": "string",
                "fullName": "string"
            }
        },
        "channelExtra": {
            "pixKeyType": "cpf",
            "pixKey": "11013601513",
            "documentNo": "11013601513",
            "name": "string",
            "lastName": "string",
            "email": "string",
            "phone": "string"
        },
        "riskParams": {
            "registerName": "string",
            "registerNo": "string",
            "nickName": "string",
            "thirdAccountNoType": "string",
            "thirdAccountNo": "string",
            "bindEmail": "string",
            "bindPhoneNo": "string",
            "accountLevel": "string",
            "vipLevel": "string",
            "regTime": "string",
            "lastLoginTime": "string",
            "liveCountry": "string",
            "taxId": "string",
            "cumPayoutAmount": "string",
            "cumPayoutTxn": "string",
            "accountBalance": "string",
            "expressMerchantID": "string"
        },
        "expiryDays": "string",
        "remark": "string",
        "reference": "string",
        "notifyUrl": "https://www.google.com",
        "notifyEmail": "string",
        "notifyPhone": "string",
        "purpose": "ISUBIL"
    }
}
headers = {
    "signature": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {signature: '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    charset: 'UTF-8',
    version: '2.0.0',
    signType: 'RSA',
    memberId: '2023010558663764',
    merchantId: '2023010558663764',
    requestTime: '2026-05-24T14:29:32.682+08:00',
    keyVersion: '1',
    data: {
      merchantOrderId: '2026042914410001',
      country: 'AF',
      chargeOption: 'SHA',
      clearingRail: 'SWIFT',
      userId: '2026042900010001',
      sourceCurrency: 'AED',
      destinationCurrency: 'USD',
      trade: {amount: '1.01', currency: 'USD'},
      payeeInfo: {
        paymentMethodType: 'BANK_TRANSFER',
        targetOrg: 'FPS',
        payeeType: 'PERSONAL',
        accountInfo: {accountNo: 'string', accountType: 'string', checkDigit: 'string'},
        bankInfo: {
          bankCode: '622666607777',
          bankName: 'bank',
          bankBranch: 'bank branch',
          bankCity: 'ShangHai',
          corAccountNo: 'string'
        },
        name: {
          firstName: 'string',
          middleName: 'string',
          lastName: 'string',
          fullName: 'string'
        },
        document: {
          documentType: 'string',
          documentId: 'string',
          documentIssueDate: 'string',
          documentExpireDate: 'string'
        },
        address: {address: 'string', city: 'string', state: 'string', zipCode: 'string'},
        payeePhone: 'string',
        birthDate: 'string',
        email: 'string',
        payeeNationality: 'CN',
        payeeGender: 'string',
        payeeBirthCountry: 'string'
      },
      payerInfo: {
        subMerchantNo: 'string',
        businessLegalName: 'string',
        registrationCountry: 'string',
        merchantCategoryCode: 'DIGITAL_GOODS_MEDIA',
        payerId: 'string',
        name: {
          firstName: 'string',
          middleName: 'string',
          lastName: 'string',
          fullName: 'string'
        }
      },
      channelExtra: {
        pixKeyType: 'cpf',
        pixKey: '11013601513',
        documentNo: '11013601513',
        name: 'string',
        lastName: 'string',
        email: 'string',
        phone: 'string'
      },
      riskParams: {
        registerName: 'string',
        registerNo: 'string',
        nickName: 'string',
        thirdAccountNoType: 'string',
        thirdAccountNo: 'string',
        bindEmail: 'string',
        bindPhoneNo: 'string',
        accountLevel: 'string',
        vipLevel: 'string',
        regTime: 'string',
        lastLoginTime: 'string',
        liveCountry: 'string',
        taxId: 'string',
        cumPayoutAmount: 'string',
        cumPayoutTxn: 'string',
        accountBalance: 'string',
        expressMerchantID: 'string'
      },
      expiryDays: 'string',
      remark: 'string',
      reference: 'string',
      notifyUrl: 'https://www.google.com',
      notifyEmail: 'string',
      notifyPhone: 'string',
      purpose: 'ISUBIL'
    }
  })
};

fetch('https://gate.uat.payloco.com/gateway/v2/payments/open/api/transfer', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://gate.uat.payloco.com/gateway/v2/payments/open/api/transfer",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'charset' => 'UTF-8',
    'version' => '2.0.0',
    'signType' => 'RSA',
    'memberId' => '2023010558663764',
    'merchantId' => '2023010558663764',
    'requestTime' => '2026-05-24T14:29:32.682+08:00',
    'keyVersion' => '1',
    'data' => [
        'merchantOrderId' => '2026042914410001',
        'country' => 'AF',
        'chargeOption' => 'SHA',
        'clearingRail' => 'SWIFT',
        'userId' => '2026042900010001',
        'sourceCurrency' => 'AED',
        'destinationCurrency' => 'USD',
        'trade' => [
                'amount' => '1.01',
                'currency' => 'USD'
        ],
        'payeeInfo' => [
                'paymentMethodType' => 'BANK_TRANSFER',
                'targetOrg' => 'FPS',
                'payeeType' => 'PERSONAL',
                'accountInfo' => [
                                'accountNo' => 'string',
                                'accountType' => 'string',
                                'checkDigit' => 'string'
                ],
                'bankInfo' => [
                                'bankCode' => '622666607777',
                                'bankName' => 'bank',
                                'bankBranch' => 'bank branch',
                                'bankCity' => 'ShangHai',
                                'corAccountNo' => 'string'
                ],
                'name' => [
                                'firstName' => 'string',
                                'middleName' => 'string',
                                'lastName' => 'string',
                                'fullName' => 'string'
                ],
                'document' => [
                                'documentType' => 'string',
                                'documentId' => 'string',
                                'documentIssueDate' => 'string',
                                'documentExpireDate' => 'string'
                ],
                'address' => [
                                'address' => 'string',
                                'city' => 'string',
                                'state' => 'string',
                                'zipCode' => 'string'
                ],
                'payeePhone' => 'string',
                'birthDate' => 'string',
                'email' => 'string',
                'payeeNationality' => 'CN',
                'payeeGender' => 'string',
                'payeeBirthCountry' => 'string'
        ],
        'payerInfo' => [
                'subMerchantNo' => 'string',
                'businessLegalName' => 'string',
                'registrationCountry' => 'string',
                'merchantCategoryCode' => 'DIGITAL_GOODS_MEDIA',
                'payerId' => 'string',
                'name' => [
                                'firstName' => 'string',
                                'middleName' => 'string',
                                'lastName' => 'string',
                                'fullName' => 'string'
                ]
        ],
        'channelExtra' => [
                'pixKeyType' => 'cpf',
                'pixKey' => '11013601513',
                'documentNo' => '11013601513',
                'name' => 'string',
                'lastName' => 'string',
                'email' => 'string',
                'phone' => 'string'
        ],
        'riskParams' => [
                'registerName' => 'string',
                'registerNo' => 'string',
                'nickName' => 'string',
                'thirdAccountNoType' => 'string',
                'thirdAccountNo' => 'string',
                'bindEmail' => 'string',
                'bindPhoneNo' => 'string',
                'accountLevel' => 'string',
                'vipLevel' => 'string',
                'regTime' => 'string',
                'lastLoginTime' => 'string',
                'liveCountry' => 'string',
                'taxId' => 'string',
                'cumPayoutAmount' => 'string',
                'cumPayoutTxn' => 'string',
                'accountBalance' => 'string',
                'expressMerchantID' => 'string'
        ],
        'expiryDays' => 'string',
        'remark' => 'string',
        'reference' => 'string',
        'notifyUrl' => 'https://www.google.com',
        'notifyEmail' => 'string',
        'notifyPhone' => 'string',
        'purpose' => 'ISUBIL'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "signature: <api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://gate.uat.payloco.com/gateway/v2/payments/open/api/transfer"

	payload := strings.NewReader("{\n  \"charset\": \"UTF-8\",\n  \"version\": \"2.0.0\",\n  \"signType\": \"RSA\",\n  \"memberId\": \"2023010558663764\",\n  \"merchantId\": \"2023010558663764\",\n  \"requestTime\": \"2026-05-24T14:29:32.682+08:00\",\n  \"keyVersion\": \"1\",\n  \"data\": {\n    \"merchantOrderId\": \"2026042914410001\",\n    \"country\": \"AF\",\n    \"chargeOption\": \"SHA\",\n    \"clearingRail\": \"SWIFT\",\n    \"userId\": \"2026042900010001\",\n    \"sourceCurrency\": \"AED\",\n    \"destinationCurrency\": \"USD\",\n    \"trade\": {\n      \"amount\": \"1.01\",\n      \"currency\": \"USD\"\n    },\n    \"payeeInfo\": {\n      \"paymentMethodType\": \"BANK_TRANSFER\",\n      \"targetOrg\": \"FPS\",\n      \"payeeType\": \"PERSONAL\",\n      \"accountInfo\": {\n        \"accountNo\": \"string\",\n        \"accountType\": \"string\",\n        \"checkDigit\": \"string\"\n      },\n      \"bankInfo\": {\n        \"bankCode\": \"622666607777\",\n        \"bankName\": \"bank\",\n        \"bankBranch\": \"bank branch\",\n        \"bankCity\": \"ShangHai\",\n        \"corAccountNo\": \"string\"\n      },\n      \"name\": {\n        \"firstName\": \"string\",\n        \"middleName\": \"string\",\n        \"lastName\": \"string\",\n        \"fullName\": \"string\"\n      },\n      \"document\": {\n        \"documentType\": \"string\",\n        \"documentId\": \"string\",\n        \"documentIssueDate\": \"string\",\n        \"documentExpireDate\": \"string\"\n      },\n      \"address\": {\n        \"address\": \"string\",\n        \"city\": \"string\",\n        \"state\": \"string\",\n        \"zipCode\": \"string\"\n      },\n      \"payeePhone\": \"string\",\n      \"birthDate\": \"string\",\n      \"email\": \"string\",\n      \"payeeNationality\": \"CN\",\n      \"payeeGender\": \"string\",\n      \"payeeBirthCountry\": \"string\"\n    },\n    \"payerInfo\": {\n      \"subMerchantNo\": \"string\",\n      \"businessLegalName\": \"string\",\n      \"registrationCountry\": \"string\",\n      \"merchantCategoryCode\": \"DIGITAL_GOODS_MEDIA\",\n      \"payerId\": \"string\",\n      \"name\": {\n        \"firstName\": \"string\",\n        \"middleName\": \"string\",\n        \"lastName\": \"string\",\n        \"fullName\": \"string\"\n      }\n    },\n    \"channelExtra\": {\n      \"pixKeyType\": \"cpf\",\n      \"pixKey\": \"11013601513\",\n      \"documentNo\": \"11013601513\",\n      \"name\": \"string\",\n      \"lastName\": \"string\",\n      \"email\": \"string\",\n      \"phone\": \"string\"\n    },\n    \"riskParams\": {\n      \"registerName\": \"string\",\n      \"registerNo\": \"string\",\n      \"nickName\": \"string\",\n      \"thirdAccountNoType\": \"string\",\n      \"thirdAccountNo\": \"string\",\n      \"bindEmail\": \"string\",\n      \"bindPhoneNo\": \"string\",\n      \"accountLevel\": \"string\",\n      \"vipLevel\": \"string\",\n      \"regTime\": \"string\",\n      \"lastLoginTime\": \"string\",\n      \"liveCountry\": \"string\",\n      \"taxId\": \"string\",\n      \"cumPayoutAmount\": \"string\",\n      \"cumPayoutTxn\": \"string\",\n      \"accountBalance\": \"string\",\n      \"expressMerchantID\": \"string\"\n    },\n    \"expiryDays\": \"string\",\n    \"remark\": \"string\",\n    \"reference\": \"string\",\n    \"notifyUrl\": \"https://www.google.com\",\n    \"notifyEmail\": \"string\",\n    \"notifyPhone\": \"string\",\n    \"purpose\": \"ISUBIL\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("signature", "<api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://gate.uat.payloco.com/gateway/v2/payments/open/api/transfer")
  .header("signature", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"charset\": \"UTF-8\",\n  \"version\": \"2.0.0\",\n  \"signType\": \"RSA\",\n  \"memberId\": \"2023010558663764\",\n  \"merchantId\": \"2023010558663764\",\n  \"requestTime\": \"2026-05-24T14:29:32.682+08:00\",\n  \"keyVersion\": \"1\",\n  \"data\": {\n    \"merchantOrderId\": \"2026042914410001\",\n    \"country\": \"AF\",\n    \"chargeOption\": \"SHA\",\n    \"clearingRail\": \"SWIFT\",\n    \"userId\": \"2026042900010001\",\n    \"sourceCurrency\": \"AED\",\n    \"destinationCurrency\": \"USD\",\n    \"trade\": {\n      \"amount\": \"1.01\",\n      \"currency\": \"USD\"\n    },\n    \"payeeInfo\": {\n      \"paymentMethodType\": \"BANK_TRANSFER\",\n      \"targetOrg\": \"FPS\",\n      \"payeeType\": \"PERSONAL\",\n      \"accountInfo\": {\n        \"accountNo\": \"string\",\n        \"accountType\": \"string\",\n        \"checkDigit\": \"string\"\n      },\n      \"bankInfo\": {\n        \"bankCode\": \"622666607777\",\n        \"bankName\": \"bank\",\n        \"bankBranch\": \"bank branch\",\n        \"bankCity\": \"ShangHai\",\n        \"corAccountNo\": \"string\"\n      },\n      \"name\": {\n        \"firstName\": \"string\",\n        \"middleName\": \"string\",\n        \"lastName\": \"string\",\n        \"fullName\": \"string\"\n      },\n      \"document\": {\n        \"documentType\": \"string\",\n        \"documentId\": \"string\",\n        \"documentIssueDate\": \"string\",\n        \"documentExpireDate\": \"string\"\n      },\n      \"address\": {\n        \"address\": \"string\",\n        \"city\": \"string\",\n        \"state\": \"string\",\n        \"zipCode\": \"string\"\n      },\n      \"payeePhone\": \"string\",\n      \"birthDate\": \"string\",\n      \"email\": \"string\",\n      \"payeeNationality\": \"CN\",\n      \"payeeGender\": \"string\",\n      \"payeeBirthCountry\": \"string\"\n    },\n    \"payerInfo\": {\n      \"subMerchantNo\": \"string\",\n      \"businessLegalName\": \"string\",\n      \"registrationCountry\": \"string\",\n      \"merchantCategoryCode\": \"DIGITAL_GOODS_MEDIA\",\n      \"payerId\": \"string\",\n      \"name\": {\n        \"firstName\": \"string\",\n        \"middleName\": \"string\",\n        \"lastName\": \"string\",\n        \"fullName\": \"string\"\n      }\n    },\n    \"channelExtra\": {\n      \"pixKeyType\": \"cpf\",\n      \"pixKey\": \"11013601513\",\n      \"documentNo\": \"11013601513\",\n      \"name\": \"string\",\n      \"lastName\": \"string\",\n      \"email\": \"string\",\n      \"phone\": \"string\"\n    },\n    \"riskParams\": {\n      \"registerName\": \"string\",\n      \"registerNo\": \"string\",\n      \"nickName\": \"string\",\n      \"thirdAccountNoType\": \"string\",\n      \"thirdAccountNo\": \"string\",\n      \"bindEmail\": \"string\",\n      \"bindPhoneNo\": \"string\",\n      \"accountLevel\": \"string\",\n      \"vipLevel\": \"string\",\n      \"regTime\": \"string\",\n      \"lastLoginTime\": \"string\",\n      \"liveCountry\": \"string\",\n      \"taxId\": \"string\",\n      \"cumPayoutAmount\": \"string\",\n      \"cumPayoutTxn\": \"string\",\n      \"accountBalance\": \"string\",\n      \"expressMerchantID\": \"string\"\n    },\n    \"expiryDays\": \"string\",\n    \"remark\": \"string\",\n    \"reference\": \"string\",\n    \"notifyUrl\": \"https://www.google.com\",\n    \"notifyEmail\": \"string\",\n    \"notifyPhone\": \"string\",\n    \"purpose\": \"ISUBIL\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://gate.uat.payloco.com/gateway/v2/payments/open/api/transfer")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["signature"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"charset\": \"UTF-8\",\n  \"version\": \"2.0.0\",\n  \"signType\": \"RSA\",\n  \"memberId\": \"2023010558663764\",\n  \"merchantId\": \"2023010558663764\",\n  \"requestTime\": \"2026-05-24T14:29:32.682+08:00\",\n  \"keyVersion\": \"1\",\n  \"data\": {\n    \"merchantOrderId\": \"2026042914410001\",\n    \"country\": \"AF\",\n    \"chargeOption\": \"SHA\",\n    \"clearingRail\": \"SWIFT\",\n    \"userId\": \"2026042900010001\",\n    \"sourceCurrency\": \"AED\",\n    \"destinationCurrency\": \"USD\",\n    \"trade\": {\n      \"amount\": \"1.01\",\n      \"currency\": \"USD\"\n    },\n    \"payeeInfo\": {\n      \"paymentMethodType\": \"BANK_TRANSFER\",\n      \"targetOrg\": \"FPS\",\n      \"payeeType\": \"PERSONAL\",\n      \"accountInfo\": {\n        \"accountNo\": \"string\",\n        \"accountType\": \"string\",\n        \"checkDigit\": \"string\"\n      },\n      \"bankInfo\": {\n        \"bankCode\": \"622666607777\",\n        \"bankName\": \"bank\",\n        \"bankBranch\": \"bank branch\",\n        \"bankCity\": \"ShangHai\",\n        \"corAccountNo\": \"string\"\n      },\n      \"name\": {\n        \"firstName\": \"string\",\n        \"middleName\": \"string\",\n        \"lastName\": \"string\",\n        \"fullName\": \"string\"\n      },\n      \"document\": {\n        \"documentType\": \"string\",\n        \"documentId\": \"string\",\n        \"documentIssueDate\": \"string\",\n        \"documentExpireDate\": \"string\"\n      },\n      \"address\": {\n        \"address\": \"string\",\n        \"city\": \"string\",\n        \"state\": \"string\",\n        \"zipCode\": \"string\"\n      },\n      \"payeePhone\": \"string\",\n      \"birthDate\": \"string\",\n      \"email\": \"string\",\n      \"payeeNationality\": \"CN\",\n      \"payeeGender\": \"string\",\n      \"payeeBirthCountry\": \"string\"\n    },\n    \"payerInfo\": {\n      \"subMerchantNo\": \"string\",\n      \"businessLegalName\": \"string\",\n      \"registrationCountry\": \"string\",\n      \"merchantCategoryCode\": \"DIGITAL_GOODS_MEDIA\",\n      \"payerId\": \"string\",\n      \"name\": {\n        \"firstName\": \"string\",\n        \"middleName\": \"string\",\n        \"lastName\": \"string\",\n        \"fullName\": \"string\"\n      }\n    },\n    \"channelExtra\": {\n      \"pixKeyType\": \"cpf\",\n      \"pixKey\": \"11013601513\",\n      \"documentNo\": \"11013601513\",\n      \"name\": \"string\",\n      \"lastName\": \"string\",\n      \"email\": \"string\",\n      \"phone\": \"string\"\n    },\n    \"riskParams\": {\n      \"registerName\": \"string\",\n      \"registerNo\": \"string\",\n      \"nickName\": \"string\",\n      \"thirdAccountNoType\": \"string\",\n      \"thirdAccountNo\": \"string\",\n      \"bindEmail\": \"string\",\n      \"bindPhoneNo\": \"string\",\n      \"accountLevel\": \"string\",\n      \"vipLevel\": \"string\",\n      \"regTime\": \"string\",\n      \"lastLoginTime\": \"string\",\n      \"liveCountry\": \"string\",\n      \"taxId\": \"string\",\n      \"cumPayoutAmount\": \"string\",\n      \"cumPayoutTxn\": \"string\",\n      \"accountBalance\": \"string\",\n      \"expressMerchantID\": \"string\"\n    },\n    \"expiryDays\": \"string\",\n    \"remark\": \"string\",\n    \"reference\": \"string\",\n    \"notifyUrl\": \"https://www.google.com\",\n    \"notifyEmail\": \"string\",\n    \"notifyPhone\": \"string\",\n    \"purpose\": \"ISUBIL\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "code": "00000003",
  "message": "处理中",
  "traceId": "33fae7b7aed1233f",
  "data": {
    "merchantOrderId": "20260430000111111",
    "orderId": "INT2026061222222",
    "status": "SUCCESS"
  }
}

API 文档

收单

付款

WEBHOOKS

授权

加签（Signature）

适用场景

加签规则（商户请求端）

1. 计算签名（SHA256withRSA）

2. 将加签内容进行 Base64 编码；

3. 将编码后的内容放在请求头部 signature 参数中。

请求体

响应